Originally Posted by
tmiw
If you use a debit card as your everyday card it might be, even if you do get your money back eventually. (Yes, the typical recommendation is to not do so, but that's not workable for a significant number of people.)
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Granted but as you say it is for that reason that it is not a good idea to use a debit card as if it's a credit card. I don't think that's a big problem for most people here.